81 Frank Norris St #406
Higher is a better buy. 50 is "priced about right for what it is". The last step curves the raw advantage onto 0–100, so points stop being one-for-one at the extremes.
💵What this unit actually costs per month
31% of that payment is not the mortgage. The HOA fee alone is $43,440 over five years — money that buys you no equity. A calculator that defaulted the fee to zero would have quoted you $3,593.
Not FHA-approved. No 3.5%-down FHA financing on this unit, so the realistic floor is a 5%-down conventional loan ($26,750). Common for small associations and not a defect on its own, but it does remove FHA buyers from your resale pool.
Minimum realistic down payment here: 5% · verify on HUD's lookup
Rate is the Freddie Mac PMMS 30-year average for the week of 2026-10-08 — a national survey figure, not a quote. Tax, insurance and closing costs are estimates; your own Loan Estimate is the real number.
This building's HOA fees
2 recorded pointsReconstructed from 5 units of recorded sales at 81 Frank Norris St — every recorded sale carries its HOA fee and date. No listing site shows this.
We have a few recorded HOA fees for this building but not yet enough to call a reliable trend, so these are the raw points — no rate implied. Its documents fill in the reserve health and assessment risk.
🏢 Get this building's full reserve & assessment report — free →✅ Positives
- 15% below model fair value
- Upper floor (fl 4)
- In-unit W/D
⚠️ Cons
- HOA $724/mo
- Older building (1913)
🚩 Red flags
Photos
Price history (this unit)
- Feb 19, 2010 — Sold (MLS) $290,000
- Jan 1, 2010 — Listed $297,430
Description
Fresh paint, new flooring and abundant natural light give this contemporary one-bedroom residence a bright, polished feel. Set on a high floor of a secure elevator building, the home offers an open layout with an easy connection between the kitchen, dining and living areas. New quartz countertops and a new refrigerator complement stainless steel appliances and Shaker-style cabinetry, while a private balcony extends the living space outdoors. Dedicated storage adds everyday convenience. A landscaped rooftop courtyard and well-managed HOA round out the offering. At the meeting point of Polk Gulch and Lower Nob Hill, the neighborhood brings a lively collection of local favorites within easy…